Cullen/Frost Bankers Inc (CFR)

Cullen/Frost Bankers, Inc. is a bank holding company for Frost Bank and the issuer of common stock listed on the NYSE under the symbol CFR. Through Frost Bank, the company provides commercial and consumer banking services primarily in Texas. Its commercial banking activities include financing for industrial and commercial properties, construction lending, equipment, inventory and receivables financing, acquisition financing, and treasury management. On the consumer side, it offers checking accounts, ATMs, overdraft facilities, installment and real estate loans, first mortgage loans, home equity credit, safe deposit services, brokerage services, and related banking products. The company also provides international banking, correspondent banking, trust and custodial services, capital markets services, insurance and securities brokerage, and investment management services. Founded in 1868 and headquartered in San Antonio, Texas, Cullen/Frost Bankers serves clients across sectors including energy, manufacturing, retail, healthcare, and transportation.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NYSE-CFR
$194.36
21.6% Upside
Undervalued
$174.43
9.2% Upside
Fair
Fair
2.6%
October 22, 2026
14.8x
2.2x
4.4x
9.931 B
35.5%
98.6%
-1.3
38.6%
80.9%
Valuation • Fair Value

Cullen/Frost Bankers Inc (NYSE-CFR) Fair Value by Valuation Model

Review the available estimates for Cullen/Frost Bankers Inc (NYSE-CFR), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$194.36

Estimated upside of 21.6% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$119.52

Classic Ben Graham valuation formula reference.

DDM Fair Value

$277.62

Dividend discount model valuation reference.

Comps Fair Value

$138.85

Comparable-company valuation reference.

Analyst Price Target

$174.43

Analysts imply upside of 9.2%.

How to read these valuation models

Use the 6 available valuation references for Cullen/Frost Bankers Inc (NYSE-CFR) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Cullen/Frost Bankers Inc (NYSE-CFR)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

2.264 B

Current operating scale indicator.

Revenue Forecast

2.446 B

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Cullen/Frost Bankers Inc (NYSE-CFR) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Cullen/Frost Bankers Inc (NYSE-CFR)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.3

Lower score that deserves closer risk review.

FCF / Net Income

80.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Cullen/Frost Bankers Inc (NYSE-CFR). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Cullen/Frost Bankers Inc (NYSE-CFR)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

34

Dividend Yield

2.6%

Current income yield reference.

Payout Ratio

38.6%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Cullen/Frost Bankers Inc (NYSE-CFR), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Cullen/Frost Bankers Inc (NYSE-CFR) Stock Forecast & Technical Outlook

Review Cullen/Frost Bankers Inc (NYSE-CFR) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Neutral

The 1-hour technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Cullen/Frost Bankers Inc (NYSE-CFR) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Cullen/Frost Bankers Inc (NYSE-CFR)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Cullen/Frost Bankers Inc (NYSE-CFR) has a Hold consensus, with 3 buy, 7 hold and 1 sell recommendations in the current data set.

Buy 3
Hold 7
Sell 1
FAQ Fast Investor Answers

Cullen/Frost Bankers Inc (NYSE-CFR) Stock FAQ

Data-supported answers about Cullen/Frost Bankers Inc (NYSE-CFR), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$194.36
Estimated upside 21.6%
Valuation Rating
Undervalued
Estimated upside of 21.6%
Analyst Target
$174.43
Implied upside 9.2%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Cullen/Frost Bankers Inc (NYSE-CFR) is $194.36. This implies an estimated upside of 21.6% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 21.6% versus the current market price.

The available analyst price target for Cullen/Frost Bankers Inc (NYSE-CFR) is $174.43. The analyst target implies estimated upside of 9.2%.

The current financial health read for Cullen/Frost Bankers Inc (NYSE-CFR) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Cullen/Frost Bankers Inc (NYSE-CFR) is October 22, 2026.

Based on the current data, dividend yield is 2.6%.

The current P/E ratio listed for Cullen/Frost Bankers Inc (NYSE-CFR) is 14.8x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Cullen/Frost Bankers Inc is 9.931 B.

The ticker symbol for Cullen/Frost Bankers Inc is NYSE-CFR, and the stock is listed on NYSE.

Cullen/Frost Bankers Inc (NYSE-CFR) is listed on NYSE.

The current debt-to-total-capital ratio listed for Cullen/Frost Bankers Inc is 35.5%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Cullen/Frost Bankers Inc is 98.6%. Free float helps investors understand how much of the share base is available for public trading.